Privacy Policy
Home Loan Club is dedicated to protecting your privacy and ensuring the security of your personal information. This policy explains how we collect, use, disclose, and safeguard your information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).
What is Personal Information and why do we collect it?
Personal information is any information or opinion that identifies an individual. The types of personal information we may collect include names, addresses, email addresses, and phone numbers.
We collect this information in various ways, including through our website (www.homeloanclub.com.au), telephone calls, emails, interviews, and correspondence. We do not guarantee the privacy practices of third-party websites linked from our site.
We collect your personal information primarily to provide our broker matching and lead generation services, to communicate with you, and for marketing purposes. In some cases, we may use your information for closely related secondary purposes where you would reasonably expect such use or disclosure. You may unsubscribe from our marketing communications at any time by contacting us in writing. Where practical, we will explain why we are collecting your information and how it will be used at the point of collection.
Sensitive Information
Sensitive information, as defined by the Privacy Act, includes details about your racial or ethnic origin, political opinions, religious beliefs, trade union membership, criminal record, or health information. We only collect sensitive information with your consent, where required by law, or for the primary purpose for which it was provided.
Third Parties
Disclosure of Personal Information
We may disclose your personal information in the following circumstances:
- To third parties where you have provided consent for the use or disclosure;
- Where required or authorised by law.
With your consent, we may share your information with third-party mortgage brokers so they can contact you about loan products. While we take steps to ensure these brokers comply with Australian privacy obligations, we are not responsible for their handling of your data once it is transferred.
Disclosure of Personal Information
While we implement industry-standard security protocols to safeguard your data, no system is infallible. In the event of a data breach, we will take all reasonable steps to assess and notify you in accordance with the Notifiable Data Breaches (NDB) scheme under the Privacy Act. However, we disclaim liability for any consequential loss resulting from unauthorised access to your personal information unless caused by our proven gross negligence or wilful misconduct.
Security of Personal Information
We take reasonable measures to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. When your information is no longer required for its original purpose, we will take reasonable steps to destroy or de-identify it. However, most personal information is stored in client files and may be retained for a minimum of seven years to comply with legal obligations.
Data Breaches
Access to your Personal Information
You have the right to access and correct the personal information we hold about you, subject to certain exceptions. To request access or correction, please contact us in writing. We do not charge a fee for access requests but may charge a reasonable administrative fee for providing copies. For security, we may require identification before releasing your information.
Maintaining the Quality of your Personal Information
We aim to ensure that your personal information is accurate, complete, and up-to-date. Please notify us if your details change or if you believe any information we hold is incorrect, so we can update our records promptly.
For further information please contact us.
